Barita Investments (XJAM:BIL) Net Interest Margin (Bank Only) %: 28.01% (As of Mar. 2026)


XJAM:BIL Barita Investments Ltd XJAM:BIL
61 GF Score
Price JMD68.29
GF Value JMD17,082.17
Valuation Possible Value Trap
! 5 Warning Signs
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What is Barita Investments Net Interest Margin (Bank Only) %?

Barita Investments XJAM:BIL -0.09% 61 Net Interest Margin (Bank Only) % is 28.01% as of Mar. 2026. GuruFocus rates XJAM:BIL with a GF Score™ of 61/100 and a GF Value™ of JMD17,082.17 (Possible Value Trap). The stock has 5 warning signs investors should review.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Barita Investments's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2026 was JMD2,858 Mil. Barita Investments's average earning assets for the quarter that ended in Mar. 2026 was JMD10,204 Mil. Therefore, Barita Investments's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 28.01%.


Barita Investments  (XJAM:BIL) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Barita Investments Net Interest Margin (Bank Only) % Related Terms


Barita Investments Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Barita Investments's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Barita Investments Net Interest Margin (Bank Only) % Chart

Barita Investments Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.56 9.85 3.07 3.06 5.73

Barita Investments Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.40 5.13 14.52 7.41 28.01

XJAM:BIL vs MS, GS, SCHW: Net Interest Margin (Bank Only) % Comparison

For the Capital Markets subindustry, Barita Investments's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Barita Investments Net Interest Margin (Bank Only) % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Barita Investments's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Barita Investments's Net Interest Margin (Bank Only) % falls into.


XJAM:BIL
61GF Score
Barita Investments Ltd XJAM:BIL
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Barita Investments Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Barita Investments's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2024 ) + Earning Assets (A: Sep. 2025 ))/ count )
=1111.312/( (23494.379 + 15262.063)/ 2 )
=1111.312/19378.221
=5.73 %

where

Earning Assets(A: Sep. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=11176.894 + 12317.485 + 0
=23494.379

Earning Assets(A: Sep. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=7437.115 + 7824.948 + 0
=15262.063

Barita Investments's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2025 ) + Earning Assets (Q: Mar. 2026 ))/ count )
=2857.948/( (8697.723 + 11711.06)/ 2 )
=2857.948/10204.3915
=28.01 %

where

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=571.368 + 8126.355 + 0
=8697.723

Earning Assets(Q: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=7135.314 + 4575.746 + 0
=11711.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2026) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of 28.01% mean?
Barita Investments (XJAM:BIL) has a Net Interest Margin (Bank Only) % of 28.01% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Barita Investments and its competitors.
Is Barita Investments' Net Interest Margin (Bank Only) % too high?
Barita Investments' current Net Interest Margin (Bank Only) % is 28.01%. Overall, Barita Investments has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Barita Investments' Net Interest Margin (Bank Only) % compare to MS and GS?
Barita Investments' Net Interest Margin (Bank Only) % of 28.01% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Capital Markets company?
A good Net Interest Margin (Bank Only) % depends on the Capital Markets industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Barita Investments and its competitors. Barita Investments's current Net Interest Margin (Bank Only) % is 28.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Barita Investments stock overvalued right now?
Based on GuruFocus' analysis, Barita Investments (XJAM:BIL) is currently considered Possible Value Trap. The stock's GF Value™ is JMD17,082.17, compared to a current price of JMD68.29 — trading 99.6% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 28.01%. Barita Investments' overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Barita Investments (XJAM:BIL), the current Net Interest Margin (Bank Only) % is 28.01% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Barita Investments (XJAM:BIL) Overvalued in 2026?

Based on GuruFocus' analysis, Barita Investments stock appears to be undervalued. The current stock price of JMD68.29 is trading 99.6% below its estimated GF Value™ of JMD17,082.17. GuruFocus considers Barita Investments to be Possible Value Trap.

Key valuation signals for XJAM:BIL:

  • Net Interest Margin (Bank Only) %: 28.01%
  • GF Value™: JMD17,082.17 vs. price of JMD68.29 (99.6% below fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the XJAM:BIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Barita Investments Business Description

Address 15 Street Lucia Way, Kingston, JAM, 5
Barita Investments Ltd is a licensed securities dealer, investment manager, pension administrator and cambio operator and has primary dealer status from Bank of Jamaica. The principal activities of company are securities brokerage, money market activities, cambio operations, investment banking, and fund management. Its products are Unit Trust Funds, Barita GPS, FX Income Accumulator, Capital Growth Fund, Money Market Fund, FX Growth Portfolio, FX Bond Portfolio, Real Estate Portfolio, Income Portfolio, Pension Management Fund, Individual Retirement Scheme, Fixed Income, Stocks and Research, etc. The company has three segments Fixed Income, Fund Management, and Other operations. The majority of revenue comes from Fixed Income which includes money market activities and securities broking.
61GF Score

Get the complete analysis for XJAM:BIL

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD68.29
Price
JMD17,082.17
GF Value